In the small tech world, it seems like there’s always some software, hardware, service, or gadget that is claiming to be The Next Big Thing. You know the kind of technology that promises to revolutionize your business and the world. The problem is, it can be hard to figure out early on if The Next …

The terms general and professional liability insurance are often confused. General liability helps cover the costs of damages and lawsuits if your business is held responsible for things like property damage, bodily injury, libel, and slander against another. Professional liability helps cover the costs related to claims your business committed errors or omissions in the advice or services it …

Terrorism Insurance Coverage Triggers London Insurance MarketplaceWith the recent renewal of the Terrorism Risk Insurance Act (TRIA), it seemed like a good time to look at the Management Liability and Professional Liability lines to discuss how terrorism in general can trigger coverage. While TRIA is a backstop for insurers and may not directly benefit clients …

At one time, people scoffed at the idea of a personal computer in every home. Today, we not only have high-speed Internet available in our homes, but we also connect to the Internet at will with a variety of mobile devices from wherever we happen to be. The most complete and effective defense against the …

Imagine yourself as one of the more than 10,000 Baby Boomers turning 65 every day. Now imagine having to choose between a nursing home and at-home care. And consider this: 20 hours of in-home services (a week) costs about $18,000 a year versus an average of $70,000 a year for a nursing home. For many …

The Hartford has enhanced its FailSafe suite of professional liability offerings to address the evolving needs of technology companies with expanded coverage for data, systems and networks. “Professional liability is one of the most significant risks for technology companies today,” said Joe Coray, vice president of The Hartford’s Technology & Life Science Practice. “An alleged …

Coverage for barber and beauticians professional liability is automatically included for your “employees” under the commercial general liability coverage form. We have the ability to provide professional liability coverage for barbers and beauticians that are independent contractors – this optional coverage is available for $25 per independent operator under the Additional Insured-Independent Operators form -CG T567 …

Insurance for personal trainers and fitness studios is specifically designed to meet the unique insurance needs of Fitness Trainers, Group Fitness Instructors, Spinning Instructors, Dance Instructors, Martial Arts Teachers, Pilates Instructors, and many more categories of fitness instruction without any restriction of age or gender of your students. The Fitness and Wellness Insurance program for Fitness …

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Just about all types of contractors have environmental exposure. From a roofing contractor to an electrical contractor and everything in between, there are various degrees of environmental exposures. Who needs Contractors Pollution Insurance? Many contractors have a need for Contractors Pollution coverage, including, but not limited to: Utility, st...

There have been many alarming stories in the media about sexual abuse of children in athletic organizations, religious organizations, and schools. Organizations have a responsibility to protect the children they support from a sexual perpetrator. Beyond the moral responsibility, some organizations, such as youth sports organizations, are required b...

Don’t overpay for your insurance. Using industry grade professional rating tools we can help you to calculate the replacement cost (RC) of your property and explain the co-insurance requirements, so you’re paying for insurance only what it should cost you. Remember: if the actual replacement cost of your property is $300K but your insurance p...